http://independentmail.com/news/business/columns/?partner=RSSAnderson Independent Mail Stories: Business Columnsen-usbusiness/columns/news/business/columns/?partner=RSShttp://independentmail.com/feeds/headlines/business/columns/2008-11-21T23:09:47.883598Copyright Anderson Independent Mail, 2008http://independentmail.com/news/2008/nov/21/make-large-financial-decisions-slowly/?partner=RSSHave you ever made a quick financial decision that you later regretted? In the marketing world, they call that regretful feeling “buyer’s remorse.” Here are some tips to avoid buyer’s remorse with future purchases. Fri, 21 Nov 2008 23:21:00 -0000http://independentmail.com/news/2008/nov/21/make-large-financial-decisions-slowly/?partner=RSSbusiness/columns404332008-11-21T18:21:002008-11-21T18:21:00Copyright Anderson Independent Mail, 2008Have you ever made a quick financial decision that you later regretted? In the marketing world, they call that regretful feeling “buyer’s remorse.” Here are some tips to avoid buyer’s remorse with future purchases.<!-- no dateline and no defined city -->Joe SanglMake large financial decisions slowlyAnderson Independent Mailmake-large-financial-decisions-slowlyhttp://independentmail.com/news/2008/nov/21/dave-says-emergency-fund-not-christmas/?partner=RSSEveryone wants to have a nice Christmas. And if $1,000 was all the money you had in the world, I’d be OK with you spending a little bit. But the key word in “emergency fund” is EMERGENCY. Fri, 21 Nov 2008 23:10:00 -0000http://independentmail.com/news/2008/nov/21/dave-says-emergency-fund-not-christmas/?partner=RSSbusiness/columns404282008-11-21T18:10:002008-11-21T18:10:00Copyright Anderson Independent Mail, 2008Everyone wants to have a nice Christmas. And if $1,000 was all the money you had in the world, I’d be OK with you spending a little bit. But the key word in “emergency fund” is EMERGENCY.<!-- no dateline and no defined city -->Dave Says: Emergency fund is not for ChristmasAnderson Independent Maildave-says-emergency-fund-not-christmashttp://independentmail.com/news/2008/nov/12/money-help-transfer-your-balances-and-you-will-spe/?partner=RSSStart by asking yourself the following question. “Do I understand how much my debt is costing me every month?” Having taught thousands of people about personal finances, I am convinced that most people do not truly understand how much their debt costs them. Wed, 12 Nov 2008 23:00:00 -0000http://independentmail.com/news/2008/nov/12/money-help-transfer-your-balances-and-you-will-spe/?partner=RSSbusiness/columns400992008-11-12T18:00:002008-11-12T18:00:00Copyright Anderson Independent Mail, 2008Start by asking yourself the following question. “Do I understand how much my debt is costing me every month?” Having taught thousands of people about personal finances, I am convinced that most people do not truly understand how much their debt costs them.<!-- no dateline and no defined city -->Joe SanglMoney Help: Transfer your balances and you will speed forward to debt freedomAnderson Independent Mailmoney-help-transfer-your-balances-and-you-will-spehttp://independentmail.com/news/2008/nov/12/dave-says-ignore-doomsday-talk-do-not-cash-out/?partner=RSSFinancial guru Dave Ramsey offers commonsense approach to managing money. Wed, 12 Nov 2008 22:58:00 -0000http://independentmail.com/news/2008/nov/12/dave-says-ignore-doomsday-talk-do-not-cash-out/?partner=RSSbusiness/columns400982008-11-12T17:58:002008-11-12T17:58:00Copyright Anderson Independent Mail, 2008Financial guru Dave Ramsey offers commonsense approach to managing money.<!-- no dateline and no defined city -->Dave Says: Ignore the doomsday talk: Do not cash outAnderson Independent Maildave-says-ignore-doomsday-talk-do-not-cash-outhttp://independentmail.com/news/2008/nov/08/money-help-take-steps-now-help-weather-economic-st/?partner=RSSA strong savings account can be a powerful tool during times of economic woe Sun, 09 Nov 2008 03:47:00 -0000http://independentmail.com/news/2008/nov/08/money-help-take-steps-now-help-weather-economic-st/?partner=RSSbusiness/columns399782008-11-08T22:47:002008-11-08T22:47:00Copyright Anderson Independent Mail, 2008A strong savings account can be a powerful tool during times of economic woe<!-- no dateline and no defined city -->Joe SanglMoney Help: Take steps now to help weather the economic stormAnderson Independent Mailmoney-help-take-steps-now-help-weather-economic-sthttp://independentmail.com/news/2008/nov/08/dave-says-reader-has-questions-about-house-he-ties/?partner=RSSDownturn in housing market has Alabama reader wondering what he should do Sun, 09 Nov 2008 03:46:00 -0000http://independentmail.com/news/2008/nov/08/dave-says-reader-has-questions-about-house-he-ties/?partner=RSSbusiness/columns399772008-11-08T22:46:002008-11-08T22:46:00Copyright Anderson Independent Mail, 2008Downturn in housing market has Alabama reader wondering what he should do<!-- no dateline and no defined city -->Dave Says: Reader has questions about house before he ties the knotAnderson Independent Maildave-says-reader-has-questions-about-house-he-tieshttp://independentmail.com/news/2008/nov/01/dave-says-business-friends-requires-details-writin/?partner=RSSReader worries a deal on a duplex could doom friendship Sun, 02 Nov 2008 00:45:00 -0000http://independentmail.com/news/2008/nov/01/dave-says-business-friends-requires-details-writin/?partner=RSSbusiness/columns397262008-11-01T20:45:002008-11-01T20:45:00Copyright Anderson Independent Mail, 2008Reader worries a deal on a duplex could doom friendship<!-- no dateline and no defined city -->Dave Says: Business with friends requires details in writingAnderson Independent Maildave-says-business-friends-requires-details-writinhttp://independentmail.com/news/2008/nov/01/debt-free-anderson-county-however-unlikely-would-h/?partner=RSSBeing debt-free will allow you to do what you've been put on this earth to do Sun, 02 Nov 2008 00:41:00 -0000http://independentmail.com/news/2008/nov/01/debt-free-anderson-county-however-unlikely-would-h/?partner=RSSbusiness/columns397252008-11-01T20:41:002008-11-01T20:41:00Copyright Anderson Independent Mail, 2008Being debt-free will allow you to do what you've been put on this earth to do<!-- no dateline and no defined city -->Joe SanglA debt-free Anderson county, however unlikely, would have limitless possibilitiesAnderson Independent Maildebt-free-anderson-county-however-unlikely-would-hhttp://independentmail.com/news/2008/oct/22/dave-says-nows-time-be-bullish-not-foolish/?partner=RSSNever borrow to invest; choose mutual funds over risky single stocks. Wed, 22 Oct 2008 22:46:00 -0000http://independentmail.com/news/2008/oct/22/dave-says-nows-time-be-bullish-not-foolish/?partner=RSSbusiness/columns393492008-10-22T18:46:002008-10-22T18:46:00Copyright Anderson Independent Mail, 2008Never borrow to invest; choose mutual funds over risky single stocks.<!-- no dateline and no defined city -->Dave Says: Now's the time to be bullish, not foolishAnderson Independent Maildave-says-nows-time-be-bullish-not-foolishhttp://independentmail.com/news/2008/oct/22/think-long-term-managing-money-similar-running-mar/?partner=RSSSomething amazing happens when I start running. I am energized. I feel great! The health benefits are noticeable in maintaining an excellent weight, low heart rate and increased energy levels. The same thing happened when we began budgeting our money. The financial benefits were noticeable. We have an emergency fund. We became debt-free (except for the house) in just 14 months, and we have been able to live without incurring any new debt for nearly five years now. Wed, 22 Oct 2008 22:40:00 -0000http://independentmail.com/news/2008/oct/22/think-long-term-managing-money-similar-running-mar/?partner=RSSbusiness/columns393482008-10-22T18:40:002008-10-22T18:40:00Copyright Anderson Independent Mail, 2008Something amazing happens when I start running. I am energized. I feel great! The health benefits are noticeable in maintaining an excellent weight, low heart rate and increased energy levels. The same thing happened when we began budgeting our money. The financial benefits were noticeable. We have an emergency fund. We became debt-free (except for the house) in just 14 months, and we have been able to live without incurring any new debt for nearly five years now. <!-- no dateline and no defined city -->Joe SanglMoney Help: Think long term as managing money is similar to running marathonAnderson Independent Mailthink-long-term-managing-money-similar-running-marhttp://independentmail.com/news/2008/oct/19/money-help-economy-may-seem-bleak-now-history-prov/?partner=RSSSo what have I done in response to the fear-based trading on Wall Street? I have continued purchasing good mutual funds and a few individual stocks of companies that I believe are well-positioned for excellent gains. I have always ensured that my investments are well-diversified, and that no individual stock exceeds 10 percent of my overall portfolio. Sun, 19 Oct 2008 04:00:00 -0000http://independentmail.com/news/2008/oct/19/money-help-economy-may-seem-bleak-now-history-prov/?partner=RSSbusiness/columns392232008-10-19T00:00:002008-10-19T00:00:00Copyright Anderson Independent Mail, 2008So what have I done in response to the fear-based trading on Wall Street? I have continued purchasing good mutual funds and a few individual stocks of companies that I believe are well-positioned for excellent gains. I have always ensured that my investments are well-diversified, and that no individual stock exceeds 10 percent of my overall portfolio.<!-- no dateline and no defined city -->Joe SanglMoney Help: Economy may seem bleak now, but history proves market reboundsAnderson Independent Mailmoney-help-economy-may-seem-bleak-now-history-provhttp://independentmail.com/news/2008/oct/19/dave-says-case-parents-need-cut-child-financially/?partner=RSSPut money aside for major purchase as soon as the need for it pops up. Sun, 19 Oct 2008 04:00:00 -0000http://independentmail.com/news/2008/oct/19/dave-says-case-parents-need-cut-child-financially/?partner=RSSbusiness/columns392242008-10-19T00:00:002008-10-19T00:00:00Copyright Anderson Independent Mail, 2008Put money aside for major purchase as soon as the need for it pops up.<!-- no dateline and no defined city -->Dave Says: In this case, parents need to cut child off financiallyAnderson Independent Maildave-says-case-parents-need-cut-child-financiallyhttp://independentmail.com/news/2008/oct/12/impulsiveness-can-overwhelm-obedience-when-it-come/?partner=RSSAs I ponder the statement “educated way beyond my level of obedience,” I realize that the No. 1 reason I have not listened to financial truths and made negative financial decisions is my impulsive nature. I see something I want, and I want it NOW! If I did not have money, I would just finance it knowing the entire time that it was a poor decision. Sun, 12 Oct 2008 04:00:00 -0000http://independentmail.com/news/2008/oct/12/impulsiveness-can-overwhelm-obedience-when-it-come/?partner=RSSbusiness/columns388252008-10-12T00:00:002008-10-12T00:00:00Copyright Anderson Independent Mail, 2008As I ponder the statement “educated way beyond my level of obedience,” I realize that the No. 1 reason I have not listened to financial truths and made negative financial decisions is my impulsive nature. I see something I want, and I want it NOW! If I did not have money, I would just finance it knowing the entire time that it was a poor decision. <!-- no dateline and no defined city -->Joe SanglImpulsiveness can overwhelm obedience when it comes to budgetingAnderson Independent Mailimpulsiveness-can-overwhelm-obedience-when-it-comehttp://independentmail.com/news/2008/oct/12/dave-says-never-milk-drawing-unemployment-no-matte/?partner=RSSHusband has career crisis, needs to find another line of work. Sun, 12 Oct 2008 04:00:00 -0000http://independentmail.com/news/2008/oct/12/dave-says-never-milk-drawing-unemployment-no-matte/?partner=RSSbusiness/columns388272008-10-12T00:00:002008-10-12T00:00:00Copyright Anderson Independent Mail, 2008Husband has career crisis, needs to find another line of work.<!-- no dateline and no defined city -->Dave Says: Never milk drawing unemployment, no matter the amountAnderson Independent Maildave-says-never-milk-drawing-unemployment-no-mattehttp://independentmail.com/news/2008/oct/04/dave-says-girlfriend-worried-about-significant-oth/?partner=RSSBoyfriend not making any headway in debt control not ready for marriage yet. Sun, 05 Oct 2008 02:38:00 -0000http://independentmail.com/news/2008/oct/04/dave-says-girlfriend-worried-about-significant-oth/?partner=RSSbusiness/columns387082008-10-04T22:38:002008-10-04T22:38:00Copyright Anderson Independent Mail, 2008Boyfriend not making any headway in debt control not ready for marriage yet.<!-- no dateline and no defined city -->Dave Says: Girlfriend worried about significant other's excuse for marriageAnderson Independent Maildave-says-girlfriend-worried-about-significant-othhttp://independentmail.com/news/2008/oct/04/minimal-investment-equals-minimal-retirement/?partner=RSSThe earlier you save for retirement, the better off you'll be. Sun, 05 Oct 2008 02:33:00 -0000http://independentmail.com/news/2008/oct/04/minimal-investment-equals-minimal-retirement/?partner=RSSbusiness/columns387062008-10-04T22:33:002008-10-04T22:33:00Copyright Anderson Independent Mail, 2008The earlier you save for retirement, the better off you'll be.<!-- no dateline and no defined city -->Joe SanglMinimal investment equals minimal retirementAnderson Independent Mailminimal-investment-equals-minimal-retirementhttp://independentmail.com/news/2008/sep/27/fish-dont-know-we-are-recession/?partner=RSSAll of the things in life that we can continue to enjoy even in the face of a recession Sat, 27 Sep 2008 23:37:00 -0000http://independentmail.com/news/2008/sep/27/fish-dont-know-we-are-recession/?partner=RSSbusiness/columns384542008-09-27T19:37:002008-09-27T19:37:00Copyright Anderson Independent Mail, 2008All of the things in life that we can continue to enjoy even in the face of a recession<!-- no dateline and no defined city -->Joe SanglThe Fish Don’t Know We Are In A RecessionAnderson Independent Mailfish-dont-know-we-are-recessionhttp://independentmail.com/news/2008/sep/20/couples-need-work-together-maximize-financial-pote/?partner=RSSCouples should create family budget together Sat, 20 Sep 2008 22:53:00 -0000http://independentmail.com/news/2008/sep/20/couples-need-work-together-maximize-financial-pote/?partner=RSSbusiness/columns382122008-09-20T18:53:002008-09-20T18:53:00Copyright Anderson Independent Mail, 2008Couples should create family budget together<!-- no dateline and no defined city -->Joe SanglCouples need to work together to maximize financial potentialAnderson Independent Mailcouples-need-work-together-maximize-financial-potehttp://independentmail.com/news/2008/sep/10/reader-wonders-whats-best-way-save-home/?partner=RSSMother wonders when to stop paying life insurance for her children; reader asks how to best compete with established companies. Wed, 10 Sep 2008 22:27:00 -0000http://independentmail.com/news/2008/sep/10/reader-wonders-whats-best-way-save-home/?partner=RSSbusiness/columns378872008-09-10T18:27:002008-09-10T18:27:00Copyright Anderson Independent Mail, 2008Mother wonders when to stop paying life insurance for her children; reader asks how to best compete with established companies.<!-- no dateline and no defined city -->Reader wonders what's the best way to save for a homeAnderson Independent Mailreader-wonders-whats-best-way-save-homehttp://independentmail.com/news/2008/sep/10/selling-car-negative-equity-isnt-easy-its-possible/?partner=RSSUpside-down on your car payments and looking to bail? Here are a few tips to help. Wed, 10 Sep 2008 22:24:00 -0000http://independentmail.com/news/2008/sep/10/selling-car-negative-equity-isnt-easy-its-possible/?partner=RSSbusiness/columns378852008-09-10T18:24:002008-09-10T18:24:00Copyright Anderson Independent Mail, 2008Upside-down on your car payments and looking to bail? Here are a few tips to help.<!-- no dateline and no defined city -->Joe SanglSelling a car with negative equity isn't easy, but it's possibleAnderson Independent Mailselling-car-negative-equity-isnt-easy-its-possible